SPM delivers fractional CFO services to commercial subcontractors in Texas doing $1M–$12M. Services include ControlQore setup, job costing, WIP reporting, cash flow forecasting, bookkeeping, and monthly CFO advisory. Texas market challenges include long GC payment cycles, rapid growth without financial infrastructure, and prevailing wage complexity on federal and municipal work. Remote delivery. 60-day onboarding. Core Financial starts at $1,900/month.

THE CONSTRUCTION CFO SCHEDULE A FREE CALL
Texas Subcontractors

CFO Services for Texas Construction Subcontractors.

Texas is building. DFW, Houston, San Antonio, and Austin are running commercial construction activity at a scale that creates real opportunity — and real financial complexity. Most subcontractors in the $1M–$12M range are operating without real job costing, no WIP report, and a cash flow forecast that doesn't exist. SPM fixes that. Fully remote. Operational in 60 days. Starting at $1,900/month.
Schedule a Free Call →
PUBLISHED: MAY 2026 · UPDATED: MAY 2026 · THE CONSTRUCTION CFO
Texas Market Realities

What Texas Subcontractors Deal With.

Texas is one of the largest commercial construction markets in the country — DFW, Houston, San Antonio, and Austin are all producing billions in annual construction volume. That opportunity comes with financial complexity that most small subcontractors aren't equipped to manage.

01
Long Payment Cycles on Large Commercial Jobs
Texas GCs on large commercial projects routinely run 60–90 day payment cycles. Without strong prompt payment statute protections, subs carry large receivable balances for extended periods. A Texas sub doing $6M in commercial work can carry $1M+ in outstanding receivables at all times — funded by operating cash or a line of credit.
02
Fast Growth Without Financial Infrastructure
The Texas construction boom has pushed many subcontractors from $3M to $8M in 2–3 years. Revenue growth that fast outpaces financial systems almost every time. Subs who grew quickly often have no real job costing, no WIP report, and a cash position that's dangerously undersized for their revenue level.
03
Prevailing Wage Complexity on Public Work
Texas has significant federal and municipal prevailing wage work across civil, electrical, and mechanical trades. Certified payroll, Davis-Bacon labor classifications, and fringe benefit tracking require a financial system that most small-to-mid subcontractors haven't built. Misclassification and cost allocation errors on prevailing wage jobs create both compliance exposure and margin distortion.
Service Tiers

Two Ways to Work With SPM.

Both tiers include ControlQore setup, job costing, and bookkeeping. Executive Financial adds monthly CFO advisory and strategic oversight. Most Texas subcontractors at $3M+ start with Executive.

Core Financial
Starts at $1,900/month
ControlQore setup and management
Job costing aligned to your estimate structure
Full-service bookkeeping
Bank reconciliations monthly
WIP report updated monthly
Get Started →
Executive Financial
Starts at $2,900/month
Everything in Core Financial
Monthly CFO advisory meeting
13-week rolling cash flow forecast
Controllership and financial accountability
Actionable monthly to-dos — no scope gaps
Get Started →
Pricing by Revenue

Flat Monthly Fee. No Surprises.

All pricing based on trailing 12-month revenue. No payroll. No hourly billing. No scope gaps.

RevenueCore FinancialExecutive Financial
Under $1M$1,900/mo$2,900/mo
$1M–$3M$2,600/mo$3,600/mo
$4M–$6M$3,800/mo$5,500/mo
$7M–$9M$5,100/mo$6,900/mo
$10M–$12M$6,100/mo$8,500/mo
$13M+QuotedQuoted
How It Works

Fully Remote. Operational in 60 Days.

SPM is based in Sulphur Rock, AR — about 4 hours from Dallas. Everything is delivered remotely: ControlQore runs in the cloud, monthly calls are video, and the workflow requires about 5 hours of your time per month.

Texas subcontractors come to SPM because they've outgrown their bookkeeper and need more than tax filings from their CPA. The fractional model delivers CFO-level financial oversight at a fraction of the cost of a full-time hire.

Onboarding is 60 days. We migrate books to the start of your last taxable year, set up ControlQore with cost codes aligned to your estimate, and build your WIP reporting framework. Day 60 you're fully operational with real-time job costing and a system that runs month over month without requiring the owner's daily attention.

Trades: concrete, civil, electrical, underground utility, SWPPP, grading, sitework, masonry, framing, drywall, insulation, demolition, paving, structural steel, waterproofing, EIFS
Revenue range: $1M–$12M (quoted above $13M)
Markets served: DFW, Houston, San Antonio, Austin, and statewide
Prevailing wage and Davis-Bacon job costing: yes
Time commitment: approximately 5 hours/month for the owner
Frequently Asked Questions

Common Questions.

Yes. SPM serves commercial subcontractors across the country including Texas. DFW, Houston, San Antonio, and Austin are among the most active commercial construction markets and have significant subcontractor activity. SPM delivers fractional CFO services fully remotely.

Texas has GC payment cycles that can run 60–90 days or longer on large commercial projects. Retainage on public work is typically 5–10%. Texas also has significant prevailing wage and Davis-Bacon work on federal and municipal projects requiring proper labor classification and certified payroll tracking.

SPM works with concrete, civil, electrical, underground utility, SWPPP/erosion, grading, sitework, masonry, framing, drywall, insulation, demolition, paving, structural steel, waterproofing, and EIFS contractors in Texas doing $1M–$12M in commercial work. Residential is not a fit.

SPM starts at $1,900/month for Core Financial and $2,900/month for Executive Financial for contractors under $1M. For the $3M–$8M range, pricing runs $3,800–$5,100/month for Core and $5,500–$6,900/month for Executive. All delivered remotely.

SPM handles the financial structure and job costing for prevailing wage and Davis-Bacon jobs — labor classification tracking in ControlQore, certified payroll cost allocation, and fringe benefit rate modeling. We don't process certified payroll reports directly, but we build the financial system around it.

Josh Luebker — Fractional CFO, The Construction CFO
Josh Luebker
Fractional CFO · The Construction CFO

Former commercial construction project manager and master electrician. Managed 150+ projects totaling $300M+ including Google data centers, military bases, hospitals, and high-rises. Now fractional CFO for commercial subcontractors doing $1M–$12M through Sulphur Prairie Management.

Schedule a Call LinkedIn Email Josh
Related Resources
CFO Services
CFO Services — Tennessee
Fractional CFO for subcontractors in Tennessee
CFO Services
Fractional CFO — Arkansas Civil
Civil contractor CFO services in the mid-south region
Cash Flow
Cash Gone End of Month
Why Texas subs with 60–90 day payment cycles run out of cash
CFO Services
All CFO Services
Full service overview for all trades

TEXAS SUBCONTRACTORS: LET'S TALK.

One call. We'll tell you what your financial operation should look like and what it takes to get there in 60 days.

SCHEDULE A FREE CALL →
THE CONSTRUCTION CFO
Fractional CFO services for commercial subcontractors doing $1M–$12M
CFO Services Tennessee CFO Services Arkansas Cash Gone End of Month Schedule a Call Josh@ConstructionCFO.net
© 2026 SULPHUR PRAIRIE MANAGEMENT · SULPHUR ROCK, AR
0